Comparison · Budgeting apps
Tiller vs YNAB: which is better in 2026?
YNAB ranks higher in our list of budgeting apps (#1 against #6, score 91.0 against 80.0).
- 80.0Editorial score91.0
- 1Platforms4
- NoFree to useNo
- NoOpen sourceNo
Which should you choose?
Choose Tiller if you want
Spreadsheet users who want automatic bank data.
Bank transactions sync into spreadsheets you own, with budgeting and net worth templates you can edit freely. It is a yearly subscription after a trial, and the spreadsheet is the interface, which suits spreadsheet users.
Choose YNAB if you want
Envelope budgeting with a hands-on plan.
Zero-based envelope budgeting with bank connections, debt planning and subscription sharing, on web, iOS and Android. It is subscription-only after a 34-day trial, and the method takes time to learn.
The main differences
- Only YNAB runs on iOS.
- Only YNAB runs on Android.
Side by side
 Tiller |  YNAB | |
|---|---|---|
| Score | 80.0 | 91.0 |
| Rank in list | #6 of 10 | #1 of 10 |
| Price | Subscription30-day free trial, then a yearly subscription | SubscriptionSubscription after a 34-day free trial |
| Free to use | No | No |
| Open source | No | No |
| Platforms | WebWeb | WebiOS, iPadOSAndroidWeb, iOS, iPadOS, Android |
| Made by | Not stated | YNAB |
| Self-hosted option | No | No |
| Bank connections | Yes, daily sync to spreadsheets | Yes, linked bank accounts |
| Budgeting method | Spreadsheet templates | Zero-based envelopes |
| Best for | Spreadsheet users who want automatic bank data | Envelope budgeting with a hands-on plan |
| Strengths |
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| Limits |
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| Links | Visit site | Visit site |
Questions about Tiller vs YNAB
- Is YNAB better than Tiller?
- YNAB ranks higher in our list of budgeting apps (#1 against #6, score 91.0 against 80.0). Tiller is best for: spreadsheet users who want automatic bank data. YNAB is best for: envelope budgeting with a hands-on plan.
- Which is cheaper, Tiller or YNAB?
- Tiller: 30-day free trial, then a yearly subscription. YNAB: Subscription after a 34-day free trial.
- Do Tiller and YNAB run on the same platforms?
- Tiller supports Web. YNAB supports Web, iOS, iPadOS, Android.
Choosing between the two
Learning Center
1:17How to decide between two good optionsSettle a close call by sorting it by how hard it is to undo, setting a deadline, scoring the criteria as a tie-breaker and writing down why you chose.
1:20How to compare products fairly: what to keep in mindDefine the job, cap the must-haves, compare like with like, count total cost over one period and weigh the criteria. Includes a worked example.
